Farmers Savings Bank Mortgage Lending & HMDA Data, 2010
In 2010, Farmers Savings Bank of Mineral Point, WI reported 517 mortgage applications totaling $66.6 million, down 26% from 2009. The average application was for $128,835, and applicants reported an average income of $78,978. 73% of its applications resulted in an originated loan and 15% were denied. Its largest markets were Madison, WI (450), Chicago-Joliet-Naperville, IL (2) and Fond Du Lac, WI (2) (applications in parentheses).
| Mortgage Company & Address | Farmers Savings Bank 305 Doty St Mineral Point, WI 53565 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 |
| Total Number of Mortgage Applications | 517 |
| Total Mortgage Loan Application Amount | $66,608,000 |
| Average Mortgage Loan Application Amount | $128,835 |
| Highest Mortgage Loan Application Amount | $1,306,000 |
| Average Applicant Income | $78,978 |
| Highest Applicant Income | $1,465,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Farmers Savings Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Madison, WI | 450 | $ 59,739,000 | $ 132,753 | $ 82,000 |
| Chicago-Joliet-Naperville, IL | 2 | $ 370,000 | $ 185,000 | $ 156,000 |
| Fond Du Lac, WI | 2 | $ 155,000 | $ 77,500 | $ 56,000 |
| Colorado Springs, CO | 1 | $ 50,000 | $ 50,000 | $ 56,000 |
| Janesville, WI | 1 | $ 121,000 | $ 121,000 | $ 43,000 |
| Lake County-Kenosha County, IL-WI | 1 | $ 132,000 | $ 132,000 | $ 64,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 200,000 | $ 200,000 | $ 103,000 |
| Oshkosh-Neenah, WI | 1 | $ 15,000 | $ 15,000 | $ 72,000 |
Mortgage Loan Application Detail Totals for Farmers Savings Bank in 2010
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Refinancing | 418 | $55,450,000 | $132,000 | $654,000 | $83,000 | $1,465,000 |
| Home Purchase | 77 | $10,198,000 | $132,000 | $1,306,000 | $58,000 | $419,000 |
| Home Improvement | 22 | $960,000 | $43,000 | $150,000 | $76,000 | $142,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 478 | $59,232,000 | $123,000 | $443,000 | $80,000 | $1,465,000 |
| Not Provided | 27 | $3,621,000 | $134,000 | $356,000 | $73,000 | $219,000 |
| Not applicable | 9 | $3,353,000 | $372,000 | $1,306,000 | $49,000 | $188,000 |
| Hispanic | 3 | $402,000 | $134,000 | $155,000 | $64,000 | $104,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
| Asian | 0 | $0 | $0 | $0 | $0 | $0 |
| Black or African American | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 510 | $65,814,000 | $129,000 | $1,306,000 | $80,000 | $1,465,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 7 | $794,000 | $113,000 | $219,000 | $38,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 377 | $46,897,000 | $124,000 | $1,306,000 | $83,000 | $1,465,000 |
| Application Denied By Financial Institution | 79 | $11,199,000 | $141,000 | $413,000 | $68,000 | $377,000 |
| Application Approved But Not Accepted | 60 | $8,477,000 | $141,000 | $302,000 | $69,000 | $271,000 |
| Application Withdrawn By Applicant | 1 | $35,000 | $35,000 | $35,000 | $30,000 | $30,000 |
| File Closed For Incompleteness | 0 | $0 | $0 | $0 | $0 | $0 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Debt-To-Income Ratio | 32 | $4,077,000 | $127,000 | $390,000 | $52,000 | $240,000 |
| Credit History | 18 | $1,876,000 | $104,000 | $232,000 | $51,000 | $119,000 |
| Other | 15 | $3,087,000 | $205,000 | $413,000 | $114,000 | $377,000 |
| Employment History | 3 | $445,000 | $148,000 | $220,000 | $71,000 | $162,000 |
| Collateral | 3 | $565,000 | $188,000 | $225,000 | $105,000 | $205,000 |
| Credit Application Incomplete | 2 | $571,000 | $285,000 | $363,000 | $62,000 | $75,000 |
| Mortgage Insurance Denied | 2 | $237,000 | $118,000 | $133,000 | $71,000 | $87,000 |
| Unverifiable Information | 0 | $0 | $0 | $0 | $0 | $0 |
| Insufficient Cash (Downpayment, Closing Cost) | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Farmers Savings Bank's 2010 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Farmers Savings Bank's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.
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